I don't think they can re-insert a paid judgmentHmmm I'm not sure about that. If it still falls within the 10 yr period, I don't know if you have any recourse.
Under the FCRA Section 611(a)(5)((ii) ". . . . reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than
5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
(I) a statement that the disputed information has been reinserted;
(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; . . . ."
TC is your actual reports. With that said.. I have seen some sporatic inconsistencies with the way TC presents the data (usually with EQ only). But nonetheless, the TLs themselves should match up.
Ok, well here's the thing. If the scores TC gives you are fake, are the reports fake also? In that case I guess the judgement may or may not be still on the REAL Experian report. Anyone know anything about that? I recently noticed that an old chargeoff was reinserted after dropping off. I pulled a real TU report to dispute and it was indeed there. They took it off again with no problem. Was this only because it is a TU site, or would that hold true for all reports?